Uninsured Cars - Legal if not driven?

vikingaero

My view of it is that:

(1) If you want to use your DOC extension then it is up to your insurer whether they stipulate that the vehicle in question has its own separate insurance. Some require it, most don't.

(2) If you drive the vehicle from a private place (ie your private driveway) to another private place (your driveway or a garage premises) then you can do so safely using DOC.

(3) If you plan to drive around generally and plan to stop on a highway or a place where the public have access (eg Tescos or a Council car park) then once you leave the vehicle to shop/use the cashpoint etc then that vehicle is uninsured.

dfarry

raskazz wrote: »

I've seen that thread before.

To me it rather shows that pepipoo is not necessarily always the wonderful resource that some make it out to be, because not one single person pointed out the obvious, despite 5 pages of rather in-depth debate:

The driving other cars extension is subject to permission of the owner.

The OP's brother had it on loan from a friend, and whilst the OP's brother may have been in control of the vehicle he was not the owner, and there is no evidence that the owner gave permission for the OP to drive it. Hence the driving other cars benefit does not apply and there is no cover.

Good point!

Although I think it is implied that the permission had been given, permission itself is subjective... for example if the owner had allowed the vehicle to be borrowed many times before then it might be reasonable to expect that the owner would have agreed on a further occasion if the circumstances were similar.

Anyway I guess we are going off topic